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International Money Express Inc (IMXI)
NASDAQ:IMXI
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International Money Express (IMXI) AI Stock Analysis

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IMXI

International Money Express

(NASDAQ:IMXI)

Rating:69Neutral
Price Target:
$16.00
▲(10.34% Upside)
International Money Express has a stable financial position with strong cash flow performance, but faces challenges in revenue growth and profitability margins. The technical analysis indicates the stock is overbought, suggesting caution. The low P/E ratio points to potential undervaluation, while the merger with Western Union is a positive strategic move. However, the revised earnings guidance reflects market uncertainties.
Positive Factors
Acquisition
IMXI to be acquired for $16/share, representing a 72% premium to its closing price.
Digital Expansion
Digital transaction growth accelerated from 70% to 80%, indicating positive momentum in digital expansion.
Strategic Outlook
Management announced FY27 targets which were solid and call for a focus on scaling the digital transaction business.
Negative Factors
Financial Performance
IMXI's Q1/25 adjusted EPS missed consensus by 16% on significantly slower transaction growth.
Market Pressures
The LACA retail remittance market remains under pressure, while a new shift in customer behavior has emerged that is pressuring IMXI's top-line/profitability.
Profitability Challenges
The shift in customer behavior, as customers sent fewer, higher value transactions, is a negative outcome for IMXI's profitability.

International Money Express (IMXI) vs. SPDR S&P 500 ETF (SPY)

International Money Express Business Overview & Revenue Model

Company DescriptionInternational Money Express, Inc., through its subsidiary, operates as a money remittance services company in the United States, Latin America, Mexico, Africa, Central and South America, and the Caribbean. The company offers remittance services, which include a suite of ancillary financial processing solutions and payment services; and online payment options, pre-paid debit cards, and direct deposit payroll cards. It provides services through sending and paying agents and company-operated stores, as well as through online and Internet-enabled mobile devices. International Money Express, Inc. is headquartered in Miami, Florida.
How the Company Makes MoneyInternational Money Express generates revenue primarily through transaction fees charged on money transfers and remittances. Each transaction incurs a fee that varies based on the amount sent, the destination, and the chosen delivery method (cash pickup, bank deposit, etc.). Additionally, IMXI earns money from foreign exchange spreads when converting currencies for international transactions. The company also benefits from partnerships with banks and retail outlets, which can provide additional avenues for revenue through agent commissions and service fees. Marketing partnerships and promotional campaigns further enhance their customer reach, contributing to increased transaction volumes and overall profitability.

International Money Express Earnings Call Summary

Earnings Call Date:Aug 11, 2025
(Q1-2025)
|
% Change Since: |
Next Earnings Date:Nov 05, 2025
Earnings Call Sentiment Neutral
The earnings call presented a mixed outlook. While the digital segment showed strong growth and the total principal amount sent increased, key financial metrics declined, and the company revised its full year guidance due to market uncertainties. The overall sentiment of the call reflects both positive achievements in digital expansion and challenges in maintaining transaction volumes and profitability.
Q1-2025 Updates
Positive Updates
Increase in Total Principal Amount Sent
Total principal amount sent increased by 4% year-over-year, indicating the underlying strength of the business despite fewer transactions.
Digital Transactions Growth
Digital transactions grew just under 70% year-over-year, which is a significant increase, showing the successful scaling of the digital business.
Improved Transaction Processing Time
Transaction processing time on the retail platform improved from 20 seconds to 9 seconds, enhancing the agent experience.
Strong Cash Position
The company ended the quarter with $151.8 million in cash and cash equivalents, up from $130.5 million at year-end, highlighting strong liquidity.
Negative Updates
Year-over-Year Decline in Key Financial Metrics
Total revenue was $144.3 million, net income was $7.8 million, and adjusted EBITDA was $21.6 million, all down from the previous year.
Decrease in Number of Transactions
The company experienced a decline in the number of transactions year-over-year, despite an increase in the total principal amount sent.
Increased Costs in Foreign Operations
The company incurred $0.3 million in restructuring charges and additional G&A expenses primarily due to increased digital marketing spend.
Revised Full Year Guidance
The company revised its full year 2025 guidance, discontinuing quarterly guidance due to uncertainty and volatility in market conditions.
Company Guidance
During the first quarter of 2025 earnings call, International Money Express, Inc. provided detailed guidance and insights into its financial performance. Total revenue for the quarter reached $144.3 million, with a net income of $7.8 million and adjusted EBITDA of $21.6 million. Adjusted diluted earnings per share stood at $0.35. Despite these metrics being down year-over-year, the total principal amount sent increased by 4%, highlighting the underlying strength of the business. The company also reported a decline in the number of transactions, attributed to larger principal amounts being sent less frequently. Digital transactions grew by nearly 70% year-over-year, and the company invested more in digital marketing than ever before. For full-year 2025, Intermex projected revenue between $634.9 million and $654.2 million, with adjusted diluted EPS ranging from $1.86 to $2.02, and adjusted EBITDA between $103.6 million and $106.8 million. The company emphasized the importance of both its retail platform and growing digital business, maintaining a strong balance sheet with $151.8 million in cash and significant flexibility for strategic growth initiatives.

International Money Express Financial Statement Overview

Summary
International Money Express shows a stable financial position with areas for improvement. The income statement reflects challenges in revenue growth and profitability margins. The balance sheet indicates high leverage, which could pose risks if not managed carefully. Cash flow performance is a positive highlight, showing strong growth and improved cash conversion.
Income Statement
65
Positive
The company shows a mixed performance in its income statement. The gross profit margin has decreased significantly in the TTM period compared to the previous year, indicating potential cost pressures or pricing challenges. Net profit margin and EBIT margin have also declined slightly, reflecting reduced profitability. Revenue growth is negative in the TTM period, suggesting a contraction in sales. However, the company maintains a reasonable EBITDA margin, indicating operational efficiency.
Balance Sheet
70
Positive
The balance sheet reveals a high debt-to-equity ratio, which has improved slightly in the TTM period but remains a concern for financial stability. Return on equity is strong, indicating effective use of equity to generate profits. The equity ratio is moderate, suggesting a balanced approach to financing with both debt and equity.
Cash Flow
75
Positive
Cash flow analysis shows a significant improvement in free cash flow growth in the TTM period, indicating better cash generation capabilities. The operating cash flow to net income ratio has improved, reflecting better cash conversion. However, the free cash flow to net income ratio, while improved, suggests room for further enhancement in cash efficiency.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue642.15M658.65M658.74M546.80M459.21M357.21M
Gross Profit371.98M590.40M222.47M182.00M151.75M118.61M
EBITDA101.19M108.66M108.36M92.38M77.34M63.70M
Net Income51.46M58.82M59.52M57.33M46.84M33.78M
Balance Sheet
Total Assets518.01M462.38M576.81M512.07M340.54M259.47M
Cash, Cash Equivalents and Short-Term Investments174.72M130.50M239.20M149.49M132.47M74.91M
Total Debt160.28M181.67M215.86M183.74M83.09M87.62M
Total Liabilities375.76M327.45M427.77M362.17M197.50M165.21M
Stockholders Equity142.25M134.92M149.04M149.91M143.04M94.26M
Cash Flow
Free Cash Flow85.91M23.09M130.72M3.00M67.51M-4.94M
Operating Cash Flow105.60M53.09M143.53M15.17M78.10M-880.00K
Investing Cash Flow-33.83M-43.95M-18.28M-12.53M-10.77M-4.06M
Financing Cash Flow-129.91M-114.20M-37.12M14.06M-9.62M-6.16M

International Money Express Technical Analysis

Technical Analysis Sentiment
Positive
Last Price14.50
Price Trends
50DMA
11.22
Positive
100DMA
11.36
Positive
200DMA
14.83
Negative
Market Momentum
MACD
1.11
Positive
RSI
75.35
Negative
STOCH
37.04
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IMXI, the sentiment is Positive. The current price of 14.5 is above the 20-day moving average (MA) of 13.20, above the 50-day MA of 11.22, and below the 200-day MA of 14.83, indicating a neutral trend. The MACD of 1.11 indicates Positive momentum. The RSI at 75.35 is Negative, neither overbought nor oversold. The STOCH value of 37.04 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IMXI.

International Money Express Risk Analysis

International Money Express disclosed 42 risk factors in its most recent earnings report. International Money Express reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

International Money Express Peers Comparison

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
77
Outperform
$2.50B26.4013.86%13.02%-2.57%
77
Outperform
$4.13B34.7226.10%14.70%-18.45%
75
Outperform
$3.85B12.8525.94%8.71%25.75%
69
Neutral
$430.42M8.8536.15%-4.19%-3.52%
69
Neutral
$282.06M42.7419.65%27.84%-13.78%
61
Neutral
$35.48B7.70-10.11%1.88%8.73%-9.23%
56
Neutral
$4.47B8.73-8.77%-20.82%-154.29%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IMXI
International Money Express
14.50
-3.63
-20.02%
EEFT
Euronet Worldwide
93.19
-11.90
-11.32%
STNE
Stoneco
16.47
3.36
25.63%
PAYS
PaySign
5.18
0.55
11.88%
PAYO
Payoneer
6.95
-0.26
-3.61%
DLO
DLocal
14.46
6.29
76.99%

International Money Express Corporate Events

M&A TransactionsBusiness Operations and Strategy
International Money Express Merges with Western Union
Positive
Aug 11, 2025

On August 10, 2025, International Money Express, Inc. (Intermex) entered into a merger agreement with The Western Union Company, where Intermex will become a wholly owned subsidiary of Western Union. The merger, valued at $16.00 per share, aims to strengthen Western Union’s retail presence in North America and expand its market coverage, particularly in high-growth Latin American regions. The acquisition is expected to enhance Western Union’s digital customer acquisition and operational efficiencies, with anticipated cost synergies of $30 million annually within 24 months. The transaction, approved by both companies’ boards, is set to close in the second half of 2026, pending customary closing conditions and regulatory approvals.

The most recent analyst rating on (IMXI) stock is a Buy with a $27.00 price target. To see the full list of analyst forecasts on International Money Express stock, see the IMXI Stock Forecast page.

Executive/Board Changes
International Money Express Chief Legal Officer Resigns
Neutral
Jul 31, 2025

On July 26, 2025, International Money Express, Inc. announced that Robert Pargac, the Chief Legal Officer and Secretary, resigned from his positions with the company, effective July 25, 2025. This change in leadership may impact the company’s legal operations and strategic direction, although specific implications for stakeholders were not detailed in the announcement.

The most recent analyst rating on (IMXI) stock is a Buy with a $23.00 price target. To see the full list of analyst forecasts on International Money Express stock, see the IMXI Stock Forecast page.

Executive/Board ChangesShareholder MeetingsBusiness Operations and Strategy
International Money Express Approves Amended Equity Compensation Plan
Neutral
Jun 26, 2025

On June 20, 2025, International Money Express, Inc. held its Annual Meeting of Stockholders, where key decisions were made, including the approval of the Amended and Restated 2020 Omnibus Equity Compensation Plan. This plan increases the number of shares authorized for issuance and extends the plan’s term, among other changes. Additionally, stockholders elected two Class I directors, ratified the appointment of BDO USA, P.C. as the independent registered public accounting firm, and approved a non-binding advisory resolution on executive compensation. These decisions reflect the company’s ongoing efforts to enhance its governance and compensation strategies, potentially impacting its operational and financial positioning.

The most recent analyst rating on (IMXI) stock is a Buy with a $23.00 price target. To see the full list of analyst forecasts on International Money Express stock, see the IMXI Stock Forecast page.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Aug 14, 2025